The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$43,480
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,833
−HK$1,374/mo
Today · 4.125%
HK$46,207
baseline
▲ 0.50% · 4.625%
HK$49,019
+HK$2,812/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$92,414/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,372
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,669
−HK$1,316/mo
Today · 4.125%
HK$50,985
baseline
▲ 0.50% · 4.625%
HK$53,672
+HK$2,687/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$101,970/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,177
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,800
−HK$1,648/mo
Today · 4.125%
HK$55,448
baseline
▲ 0.50% · 4.625%
HK$58,822
+HK$3,374/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$110,896/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$715,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,046
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,603
−HK$1,579/mo
Today · 4.125%
HK$61,182
baseline
▲ 0.50% · 4.625%
HK$64,407
+HK$3,225/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$122,364/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$715,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,873
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,766
−HK$1,924/mo
Today · 4.125%
HK$64,690
baseline
▲ 0.50% · 4.625%
HK$68,626
+HK$3,936/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$129,380/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,720
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,536
−HK$1,843/mo
Today · 4.125%
HK$71,379
baseline
▲ 0.50% · 4.625%
HK$75,141
+HK$3,762/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$142,758/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,265
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$80,699
−HK$2,474/mo
Today · 4.125%
HK$83,173
baseline
▲ 0.50% · 4.625%
HK$88,234
+HK$5,061/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$166,346/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,069
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,404
−HK$2,369/mo
Today · 4.125%
HK$91,773
baseline
▲ 0.50% · 4.625%
HK$96,610
+HK$4,837/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$183,546/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,059 · Scale 2, in force from 26 Feb 2026)